Total Assets
$15.9B
Total balance-sheet footings
FDIC Cert #7230 · Norwich, New York · Est. 1856
NBT Bank, National Association - FDIC Bank Health Profile
A community-scale look at NBT Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $15.9B
- Total assets
- B
- Health grade · Good
- 1.06%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
NBT Bank, National Association earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.92% Tier 1, profitable at 1.06% ROA, 60% efficiency ratio.
- #121
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 11.92%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How NBT Bank, National Association's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
NBT Bank, National Association's composite health score
Tier 1 Capital Ratio (11.92%) 28/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (2.60%) 20/20
Efficiency Ratio (60.43%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$13.6B
Customer-funded liabilities
Net Loans
$11.5B
Outstanding loan book
Net Income
$160M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where NBT Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. NBT Bank, National Association's score of 76/100 falls in the highlighted band.
NBT Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). NBT Bank, National Association's $15.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.92%
Texas Ratio
2.60%
Equity Capital
$1.8B
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.06%
Return on Equity (ROE)
9.48%
Efficiency Ratio
60.43%
What the numbers say about NBT Bank, National Association
NBT Bank, National Association is an FDIC-insured institution (Certificate #7230) headquartered in Norwich, New York, established in 1856. It holds $15.9B in total assets - 121st of 4,313 FDIC-insured banks, $13.6B in customer deposits, and $11.5B in net loans. Its capital position: a Tier 1 ratio of 11.92%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.60% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, NBT Bank, National Association sits in the top decile of all FDIC-insured institutions by asset size (121st of 4,313), and within New York it ranks 12th of 120 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Dime Community Bank, at $15.3B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$711M
Interest Income
$125M
Non-Interest Income
$396M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. NBT Bank, National Association reports a Texas Ratio of 2.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
National size peers: banks closest to NBT Bank, National Association by assets
Measured strictly by total assets rather than geography, NBT Bank, National Association's closest national peers include Bank of Baroda, Citizens Business Bank, Bank of America California, FirstBank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within New York. Averaged across this asset-matched cohort, return on assets runs 0.68% (NBT Bank, National Association is above that at 1.06%), the efficiency ratio averages 49.31% (NBT Bank, National Association runs higher at 60.43%), and Tier 1 capital averages 15.37% (NBT Bank, National Association holds less at 11.92%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $15.9B in assets, NBT Bank, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| NBT Bank, National Association (this bank) | NY | $15.9B | 1.06% | 60.43% | 11.92% |
| Bank of Baroda | NY | $15.9B | 0.00% | 0.00% | 0.00% |
| Citizens Business Bank, National Association | CA | $15.6B | 1.39% | 42.42% | 15.66% |
| Bank of America California, National Association | CA | $15.5B | 0.54% | 52.30% | 36.85% |
| FirstBank | TN | $16.3B | 0.89% | 59.00% | 11.69% |
| First United Bank and Trust Company | OK | $16.3B | 0.97% | 68.85% | 12.24% |
| Toyota Financial Savings Bank | NV | $15.4B | 0.30% | 73.28% | 15.74% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) NBT Bank, National Association (FDIC Cert #7230) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is NBT Bank, National Association's health grade?▼
NBT Bank, National Association receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is NBT Bank, National Association?▼
NBT Bank, National Association holds $15.9B in total assets and $13.6B in deposits, ranking 121st of 4,313 FDIC-insured banks by asset size. It is headquartered in Norwich, New York.
Is my money safe at NBT Bank, National Association?▼
Yes, deposits at NBT Bank, National Association (Certificate #7230) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is NBT Bank, National Association's Tier 1 Capital Ratio?▼
NBT Bank, National Association has a Tier 1 Capital Ratio of 11.92%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for NBT Bank, National Association?▼
NBT Bank, National Association has a Texas Ratio of 2.60%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is NBT Bank, National Association?▼
NBT Bank, National Association has an Efficiency Ratio of 60.43%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read NBT Bank, National Association's profile as a depositor or analyst.
- NBT Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare NBT Bank, National Association against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.